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The factory preset/default code is 1234. It will go back to this code when you change or remove the batteries. Insert the card and enter 1234 pin. When you get the screens that read "account balance, make deposit, or make withdrawl" press the enter key twice and enter your new pin number. see instruction manual at http://www.summittoy.com/am_cms_media/Zillionz_DeluxeATM.pdf

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